No one plans to get sick or hurt, but everyone needs medical care at some point. Health insurance helps cover these costs and protects you from the high medical bills you might face if you have to see a specialist, have surgery or spend a few days in the hospital.
Most people must have health coverage in 2016 or pay a penalty. Those who don’t have coverage will pay an individual responsibility payment of either 2.5 percent of their income or $695 per adult ($347.50 per child) – whichever is higher – to the Internal Revenue Service.
Health Insurance Marketplace is a new way to find health coverage that fits your budget and meets your needs. When you fill out the Marketplace application, you’ll know if you qualify for private medical insurance, Medicaid or the Children’s Health Insurance Program, also known as CHIP.
Health insurance plans available through the Marketplace and elsewhere provide free preventive care, including vaccines, screenings and check-ups. They also cover some costs for the drugs your doctor prescribes.
Read on to learn how our certified health insurance navigators can guide you through the Marketplace.
If you enroll by Dec. 15, 2015, your coverage will begin Jan. 1. After Jan. 31, you will not be able to sign up until next year's open enrollment period, unless you experience certain life-changing events.
Life events that can qualify you for a special enrollment period include:
You don’t have to figure this out on your own. We want to help you understand your options and help you find a health insurance plan that fits your needs.
Wellmont's certified health insurance navigators stand ready to help at three Northeast Tennessee and Southwest Virginia locations. We can:
If you are a business owner, we can also help you with the
Small Business Health Options Program (SHOP) Marketplace.
Please call 1-877-421-0304 or email us at
GetCovered@wellmont.org with any questions or to schedule an appointment.
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